疑义利益原则的正确适用  

The Application of the Principle of Doubtful Interest

作　　者：卓志鹏 ZHUO Zhi-peng(University of Chinese Academy of Social Sciences,Beijing China,102488)

机构地区：[1]中国社会科学院大学

出　　处：《山西警察学院学报》2019年第4期12-16,共5页Journal of Shanxi Police College

摘　　要：大蒜毁损保险纠纷的实务裁判有二:其一,将该格式条款认定为无效;其二,引入疑义利益解释原则,作不利于保险人的解释。两种观点均有保护投保人、被保险人权益之意,然均有不足之处。通过考察格式条款的效力,将蔬菜排除于承保范围之外的条款未违反效力性强制规定,同时符合公平原则及诚实信用原则,故不宜作无效判定。适用疑义利益解释原则,应首先就争议格式条款作通常理解,从理性被保险人视角,遵循实质化判定方法,由此若无法判定通常理解之存在,方可作不利于保险人之解释。There are two practical judgments in the dispute of garlic damage insurance:first,the standard clause is determined to be invalid;Second,introduce the principle of doubtful interest interpretation,which is not conducive to the insurer s interpretation.Two kinds of viewpoint all have the meaning that protects rights and interests of policy-holder,insurant,have inadequacy however.Through the investigation of the validity of the standard clauses,the clause excluding vegetables from the scope of insurance does not violate the mandatory provisions of validity and conforms to the principles of fairness and good faith.So it is not proper to be made invalid judgement.To apply the principle of interpretation of doubtful interest,we should first make a general understanding of the standard terms of dispute and follow the substantive determination method from the perspective of the rational insured.

关 键 词：无效格式条款 疑义利益解释原则 通常理解 

分 类 号：D922.284[政治法律—经济法学]